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Our editorial team was among the many first to thoroughly research, evaluate and pick the perfect credit repair firms available in the market. Since 2016, we’ve spent hundreds of hours investigating the industry and vetting around two dozen national providers.

We’ve compared credit repair firms on 15+ data points, including fees, plans, customer feedback and industry fame. Based on this extensive research, we picked the highest credit repair firms available in the market, including Credit Saint, Sky Blue Credit and the Credit Pros.

Money’s Important Takeaways

• Credit repair involves reviewing your credit report for inaccuracies and disputing them with the reporting agencies.

• You may repair your credit history yourself, but hiring a credit repair service may be helpful in case your report has multiple mistakes.

• Credit repair firms evaluate your credit report and dispute any errors in your behalf with the credit bureaus and your lenders.

• Some firms also offer ongoing credit consultations and extra financial tools, like credit and identity theft monitoring.

• The method may be time-consuming, often lasting as much as a yr.

Our Top Picks for Best Credit Repair Firms

The businesses listed below are in alphabetical order.

Best Credit Repair Reviews

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Why we selected this company: We selected The Credit People as the perfect option for low startup fees because the corporate only charges $19. This sets it other than competitors, which normally charge around $79 or more to establish your account and pull your credit report.

Moreover, The Credit People offers a superb money-back guarantee. The corporate permits you to cancel your subscription at any time when you would like and refunds each the last and former month’s payment. Most credit repair firms, then again, have a 90-day money-back guarantee or only refund you for the last month of service.

The Credit People’s interface can be a plus — you may monitor updates to your credit report or rating from all three credit bureaus from their easy-to-use online dashboard. It also permits you to track open disputes and connect with customer support if you could have any questions.

The three memberships offered by The Credit People include the next credit repair services:

Read full review>>

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Why we selected this company: Many credit repair firms offer extra perks only with their costliest plan. We selected The Credit Pros as Best for Bonus Features because it offers useful financial management tools in any respect price tiers.

The plans include tools like bill reminders and a budgeting system that syncs to your accounts in real time. In addition they feature TransUnion alerts to trace credit rating changes and dark web monitoring to examine in case your personal information (like your Social Security number or address) was leaked.

Essentially the most comprehensive plan, the Success Plus, also permits you to access reports and scores from the three credit bureaus and a credit builder loan that might help improve your credit history should you make timely payments.

All plans include access to The Credit Pros’ mobile app, which permits you to review disputes, receive real-time updates and monitor your credit rating and report.

The corporate’s free consultation is out there in English and Spanish, something not common within the credit repair industry. Nevertheless, note that its initial work fee is higher than many other competitors’ — $119 for its low and medium tier plans and $149 for its premium plan.

Read full review>>

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Why we selected this company: Credit Saint is our pick for Best Overall due to its clear pricing policies and comprehensive package options.

The corporate offers three credit repair packages: Credit Polish, Credit Remodel and Clean Slate. The packages — which range from $79.99 to $139.99 — differ in what number of claims they’ll dispute a month, from five claims with the fundamental “Credit Polish” plan to an infinite amount with the premium “Clean Slate” plan.

Each package also encompasses a different suite of economic tools. The fundamental plan, for example, features a credit rating tracker, while the best tier plan adds credit and identity theft monitoring, lost wallet protection and more.

Credit Saint offers a free consultation to judge your particular situation and discover the following steps it’s best to take. When you join with them, the corporate assigns an advisory team to your case and schedules calls to maintain you informed.

Credit Saint also provides a credit rating evaluation and academic content to assist customers higher understand their credit. Some plans also include a customized guide to constructing credit. Moreover, the corporate offers a 90-day money-back guarantee should you don’t see any changes in your credit history after three months.

Read full review>>

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Why we selected this company: Credit Versio is our pick for Best for DIY Credit Repair since it’s a low-cost alternative to traditional crexdit repair services and simplifies the customarily complicated credit repair process.

Despite the fact that you may dispute credit inaccuracies yourself without charge, the method may be time-consuming and stressful. Credit repair software, Credit Versio, might help streamline this process.

The corporate’s software uses artificial intelligence to scan your credit reports for negative items which may be lowering your credit rating. It then organizes them based on the credit bureau that reported it.

Should you discover a mistake, the software can generate tailored dispute letters based in your credit information and why you suspect that item is inaccurate.All you could have to do is print out the letter and mail it to the credit bureau.

Credit Versio offers three plans that provide unlimited dispute letters and monthly credit reports and scores. Two offer you access to SmartCredit’s credit monitoring platform, and the most costly plan also includes IdentityIQ, an identity theft protection service.

Adding these services lets Credit Versio keep track of any changes to your credit report in case it’s good to send out more dispute letters.

Read full review>>

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Why we selected this company: Lexington Law is our pick for industry leader because of its 20 years of experience and almost nationwide availability (every state except in Oregon).

Since it’s a law firm and its staff is generally attorneys and paralegals, the corporate is alleged to explore every legal avenue to correct inaccuracies in your credit report.

The corporate offers a single credit repair package for $139.95 per thirty days, but Money readers can access a reduced price of $119.95 in the event that they join through this page. The plan includes challenges to all three credit bureaus, creditor intervention letters and as much as $1 million in identity theft insurance. You furthermore mght get personalized credit rating improvement strategies to assist improve your overall credit health.

If you desire to track your credit progress, Lexington has a highly ranked mobile app where users have 24/7 access to their credit rating evaluation, personalized counseling plan and dispute updates.

Nevertheless, Lexington Law has had its share of legal problems. In November 2023, it settled a lawsuit from the Consumer Financial Protection Bureau (CFPB), which had alleged the corporate illegally charged upfront fees through telemarketing. The corporate is not any longer conducting phone sales operations pursuant to the terms of their agreement.

Despite this, Lexington Law stays a robust player within the industry and offers the advantage of getting an experienced law firm handling your case.

Read full review>>

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Why we selected this company: Sky Blue Credit Repair is our pick for best value since it offers low-cost credit-repair packages that include nearly all the pieces it’s good to clean up your credit report quickly.

For $79 a month, Sky Blue provides a basic package that features credit bureau disputes, three-bureau reports and scores, one-on-one consultations, an internet client portal and a credit rating tracker.

The corporate also offers a full service and a premium package for $99 and $199 a month, respectively. These include all the pieces in the fundamental one in addition to creditor interventions, debt validation letters, stop and desist letters, personal information correction letters, credit-building tools and more.

The corporate may also assist you to organize a technique to enhance your credit rating, and you may schedule consultations if you could have questions on anything credit-related, like bank card offers or loan applications.

It’s also value noting that Sky Blue Credit Repair offers one of the vital flexible subscriptions available on the market. If you desire to skip a month of service without canceling your subscription, you may request a pause through your online account.

You will not be charged while your account is paused, and you may resume the subscription when needed. This might prevent money on startup fees, which most credit repair firms charge at any time when you begin using their services.

Its credit repair plans include:

Read full review>>

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Other credit repair firms we considered

We researched dozens of firms within the means of compiling our list of the highest credit repair services. Some firms, nevertheless, didn’t make the cut. These are a few of them:

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Safeport

Safeport Law charges $129.99 monthly for a credit repair package that features challenges to the three foremost credit bureaus, creditor interventions and a credit rating evaluation and tracker. Nevertheless, the corporate only offers one service plan, while most of our foremost picks offer two or more. Also, it charges a $129 setup fee, which is higher in comparison with firms with similar service plans.

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Credit Glory

Credit Glory doesn’t show plans and pricing information clearly on their website, making it difficult for potential customers to make well-informed decisions.

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CreditRepair.com

CreditRepair.com offers several credit repair plans starting at $69.95. It features a free, online initial assessment, your credit rating, a negative item summary and a customized credit repair plan. Nevertheless, they don’t have a money-back guarantee, which other firms include at that price point.

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Trinity Credit Services

Trinity Credit Services has over nine years within the credit repair business. The corporate offers a free credit report evaluation and a customized credit repair plan, which you may keep track of online. Nevertheless, the corporate is not clear about service costs and setup fees on their website. Moreover, they don’t provide details about guarantees.

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Pyramid Credit Repair

Pyramid Credit Repair has over ten years of experience, and it’s one in all the few credit repair firms offering 24/7 customer support. Nevertheless, this profit is barely available with the corporate’s priciest plan ($179 monthly fee with a first-work fee of the identical amount). As well as, its cheaper plans ($89 and $129) include fewer advantages than similarly priced plans from competitors.

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AMB Credit Consultants

AMB Credit Consultants has been in business for greater than 10 years, but there are some drawbacks to its services. For instance, it doesn’t offer a free credit consultation, and you should subscribe to a monthly credit monitoring plan from IdentityIQ for $24.99 before scheduling a consultation.

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Creditfirm.net

CreditFirm.net charges $49.99 per thirty days for people ($89.99 for couples), which is comparatively inexpensive in comparison with other firms. But the corporate doesn’t offer a free credit consultation, money-back guarantee or additional finance tools.

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Credit Assistance Network

The Credit Assistance Network’s website is outdated and hard to navigate. There’s little to no information regarding the corporate’s fame on third-party party review sites. Moreover, the corporate doesn’t offer credit repair services. As an alternative, it forwards you to The Credit Pros, one in all our foremost picks. With this in mind, we recommend signing up with The Credit Pros directly.

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Credit Repair Guide

Credit report mistakes are way more common than you may think. And, while you may remove inaccurate information out of your credit report yourself, the method is usually frustrating and time consuming.

A credit repair agency could make this process easier by doing the heavy lifting for you — obtaining your reports, finding inaccuracies and disputing any mistakes in your behalf directly with lenders and credit bureaus. Nevertheless, many firms make false claims and lure customers into paying for services that will not deliver any results.

Table of Contents

What’s credit repair?

Credit repair is the means of improving one’s credit history and rating. It often involves reviewing your credit history for inaccuracies and disputing them with the credit bureaus (Experian, Equifax and TransUnion).

You may repair your credit report yourself totally free. Moreover, you could possibly consider hiring a credit repair company, which reviews your reports for mistakes and disputes them by contacting the credit bureaus in your behalf.

Taking the time to repair your credit can raise your credit rating, which might improve your approval odds for the best bank cards and loans, and assist you to qualify for more favorable rates of interest.

How does credit repair work?

Whether you do it yourself or hire an organization, credit repair normally involves:

• Requesting your credit reports from the foremost credit bureaus

• Reviewing them for inaccurate information

• Filing a dispute with the credit bureau that generated the report that has errors

Per the Fair Credit Reporting Act (FRCA), you could have the proper to dispute any information you suspect is inaccurate. The credit reporting agencies must investigate inside 30 days and delete the item out of your report if found to be erroneous. Also they are required to send you the outcomes of the investigation inside five business days of completing it.

Note that you simply (and credit repair firms) can only remove inaccurate information out of your credit report. In case your report doesn’t have errors, it’s best to deal with paying your bills on time, keeping a low credit utilization ratio and reducing your total debt.

How do credit repair firms work?

Credit repair firms start the method by reviewing your credit reports for errors and outdated information, like accounts that do not belong to your or collections which are older than seven years.

If you desire to move on with the method, a representative can have you sign a limited power of attorney contract. This document gives the corporate the legal right to act in your behalf. When you sign the contract, the corporate will start disputing inaccurate items along with your creditors and the main credit bureaus.

The perfect credit repair firms may even track your disputes’ progress and update you continuously on the status of every disputed item. They are going to normally send progress reports together with an updated copy of your credit report so you may review the changes.

How long does it take to repair your credit?

“The period of time it takes varies greatly depending upon all and sundry’s unique circumstances and other actions they take to enhance their credit,” says Thomas Nitzsche, Sr. Director of Media and Brand for credit counseling agency Money Management International.

For instance, Nitzsche says it’s possible you’ll see a credit rating increase in around one to 3 months once errors are disputed and faraway from your report. Then again, accurate negative items, like late bank card payments, stay in your file for seven years.

How long do negative items affect your credit rating?

The impact of negative information lessens as time goes on. “It’s difficult to say how much of an impact different negative items on a report can have, however the older an account is, the less impact it has on a rating,” explained Becky House, Director of Strategic Initiatives for credit counseling agency American Financial Solutions.

Nitzsche also mentioned that how much a negative item lowers your rating is dependent upon the person’s credit profile. For instance, the effect must be less drastic if you could have other credit lines in good standing. “Because of this it is vital to take proactive steps to get trade lines back into good standing or to create latest ones reporting positively,” added Nitzsche.

House also identified that lenders can have different guidelines on which negative items they’re willing to simply accept when evaluating a borrower’s credit history. “For example, one lender could also be okay funding a loan for somebody who had a negative credit mark three years ago; one other lender can have a risk policy that denies loans if someone has that information on their credit report.”

What it’s best to know before hiring a credit repair company

There are some things to be mindful if you’re attempting to rebuild your credit history:

Not all negative items may be removed

​​A red flag that an organization is scamming you is that if it guarantees it might probably remove all negative items out of your report. Late payments, hard inquiries, charge-offs, repossessions and debt collections can only be removed if the data is inaccurate or outdated. If a negative item is correct, it generally stays in your report for seven years — and as much as 10 years for Chapter 7 bankruptcies.

For more information on other potential red flags, take a look at Warning signs of a credit repair scam.

Deleted items can reappear in your credit report

Deleted items can reappear in your report if the bank, bank card company or debt collector reports them to the bureaus again. House mentioned that this normally happens if the reporting company believes the disputed item is valid.

You (or the credit repair company) can file a latest dispute. Nevertheless, House says it must be reframed or updated to higher explain why the data in your report is fallacious. You may accomplish that by providing additional documentation to support your claim.

You may need to do among the legwork

You’ll have to supply credit repair agencies with documentation to support disputes of negative information in your credit report.

Most firms have setup fees

Most credit repair firms charge an initial fee (also called setup or first work fee) that may range anywhere between $15 to $200. This fee is used to establish your account, which can involve gathering your personal and financial information and creating a technique plan in your particular credit situation.

Firms can’t charge you prematurely for his or her services

When you pay the setup fee (if required), firms can’t make any additional charges unless they prove that the services offered to you of their contract are being fulfilled.

You’ve three business days to cancel a contract without incurring any penalties

The Credit Repair Organizations Act (CROA) states that you could have the proper to back out of a contract inside three business days of signing it with none charges or cancellation fees.

Methods to select the proper credit repair company

These are some aspects to be mindful to avoid credit repair scams:

1. Look out for false guarantees

Legitimate credit repair firms won’t ever guarantee they will remove accurate information out of your report or promise you a latest credit identity, for instance.

For steps on the right way to cope with negative items that can not be disputed, read our guide on the right way to repair weak credit.

2. Check for Credit Repair Organizations Act (CROA) compliance

Be certain the corporate you select follows CROA guidelines, which establishes clear directives that legitimate credit repair agencies should follow. In keeping with the CROA, credit repair firms must:

• Provide a written contract explaining their services intimately, including service costs, guarantees and an estimate of how long the method will take

3. Read customer reviews

You may check sources like Google Reviews, the Higher Business Bureau (BBB) and Yelp to gauge customer experience. Should you read multiple reviews alleging similar sorts of issues, you may consider it a red flag. Nevertheless, we recommend complementing what you read with further research since many individuals post reviews after they’re unhappy with a service, not after they’re satisfied.

4. Check the regulatory agencies

When looking for the proper credit repair company for you, it’s idea to examine the Consumer Financial Protection Bureau (CFPB) criticism database and check what number of complaints — if any — have been filed against that specific provider.

5. Compare fees and costs

Reputable credit repair firms will list their prices and services clearly, so consumers can select the proper package for his or her needs.

6. Look for private finance tools

Besides their standard credit repair services, some credit repair agencies offer personal finance tools like bill reminders, budgeting software and credit monitoring. Moreover, they might offer free credit consultations, satisfaction guarantees and identity theft protection services.

When to contemplate a credit counseling service

If you could have weak credit, Thomas Nitzsche from Money Management International recommends contacting a credit counseling service as soon as possible. He emphasized that buyers shouldn’t wait until they need to lift their rating (corresponding to before buying a house or automotive) to get help. “Constructing credit rating takes time and must be began as soon as someone is aware they’ve weak credit.”

A credit counseling service can assist you to improve your financial situation overall, not only dispute credit report mistakes. “They work with people to handle their entire financial picture in addition to the person’s goals. The goal is to have a sustainable budget, repayment structure for debts and construct or rebuild a positive credit history,” noted Becky House from American Financial Solutions.

Bear in mind that a credit counseling service won’t dispute errors in your behalf. Nevertheless, Nitzsche mentioned that they will offer advice on the right way to do it yourself and the right way to construct your credit moving forward.

Moreover, credit counselors offer resources and workshops on budgeting, debt consolidation, debt management plans (DMP), bankruptcy, housing and more.

Note that credit counseling services are often non-profit, but a few of their services do carry a small fee of as much as around $50. Should you’re focused on consulting a credit counselor, you will discover a licensed one through the National Foundation for Credit Counseling.

Warning signs of a credit repair scam

The credit repair industry has its share of controversies and scams. With this in mind, it is vital to acknowledge red flags that indicate an organization may be engaging in questionable practices.

In keeping with the Consumer Financial Protection Bureau (CFPB), a credit repair company may be deceiving you if it:

• Asks for upfront fees before it provides any services

• Claims it might probably remove all negative information out of your report, even when it’s accurate and up-to-date

• Advises you to dispute correct information in your credit report

• Says you mustn’t contact the credit bureaus yourself

• Doesn’t inform you of your rights, including the power to cancel your contract with the corporate inside three business days after signing it

• Doesn’t provide a written contract outlining details corresponding to service costs and guarantees

• Asks you to waive any of your rights under the CROA

• Offers you a “latest” credit identity or profile

Try to be particularly wary of firms that guarantee they will remove accurate collections out of your credit report, as House warned that this motion may lead to a possible lawsuit.

“We now have seen this trigger lawsuits against consumers that resulted in garnishments. The person owed the debt, was advised to dispute it and did, and the gathering agency then filed suit to acquire a garnishment,” House explained.

How We Selected the Best Credit Repair Firms

Since we first began reviewing credit repair firms in 2016, we’ve spent hundreds of hours researching the industry and vetting its major players.

As a part of this research, members of our editorial staff have sought out first-hand experience with among the names included in our list. Moreover, we re-evaluate our top picks every month to supply readers with the most modern information on each these services and credit repair typically.

To decide on the perfect credit repair firms, we evaluated the next aspects:

Transparency: We considered whether firms provided clear, upfront details about their prices, fees, services, guarantees, terms and conditions and privacy policies.

Pricing and discounts: We compared firms’ service plans based on cost, favoring providers that offered multiple options at several price points. We also considered their setup fees, also generally known as first-work fees. We also noted any available discounts, corresponding to for couples or service members.

Services: All credit repair services claim to review and dispute inaccurate and/or outdated information that’s affecting your credit history. Nevertheless, we favored firms that offered quite a lot of services tailored to different budgets and that also offered additional services, corresponding to free credit consultations, creditor interventions and stop and desist or goodwill letters.

Financial tools: We checked whether firms offered financial tools that may help consumers improve their credit, corresponding to a credit rating tracker, monthly credit reports and/or identity theft monitoring.

Client portal: Firms that offered a portal or app for clients to trace their dispute status and credit repair progress stood out from the competition.

Money-back guarantee and cancellation policy: We favored firms that offered refunds or guarantees in the event that they couldn’t remove or correct errors out of your credit report inside 90 days. We also preferred firms that didn’t charge cancellation fees.

Customer Support: We preferred firms that offered several contact options like online chat, support forms and email, which might improve their responsiveness to customer issues or complaints.

User experience: Beyond pricing and services, we also took under consideration the convenience of use of every company website and if the data provided was up so far.

Service area: We considered the variety of states where the businesses operate and prioritized those which are available nationwide.

Company history: Our top picks are reputable credit repair services which have been around for greater than ten years and garner mostly positive customer reviews across different platforms.

Customer satisfaction: We checked reviews across third-party review web sites, corresponding to the Higher Business Bureau, to gauge customer satisfaction and any patterns of complaints regarding an organization’s services.

Regulatory actions: We searched for any history of Federal Trade Commission (FTC) violations and searched the Consumer Financial Protection Bureau (CFPB) Database to examine these firms’ history of customer complaints or enforcement actions.

Summary of Money’s Best Credit Repair Firms

The businesses listed below are in alphabetical order.